Raymond Walia
Milton,Canada
Summary
Dynamic Mortgage Officer with extensive experience at Home Trust Company, excelling in regulatory compliance and document review. Proven ability to solve complex problems and communicate effectively with clients and brokers, driving successful outcomes in high-volume environments. Recognized for meticulous attention to detail and a goal-oriented approach to achieving funding targets.
Overview
5
5
years of professional experience
Work History
Mortgage Officer - Underwriting Classic
Home Trust Company
Toronto, Canada
02.2025 - Current
- Manage residential mortgage files end-to-end from commitment sign-back through funding in accordance with Home Trust policies.
- Review and validate borrower documentation including income, employment, bank statements, and down payment sources.
- Take ownership of approved files and ensure internal systems accurately reflect received documentation.
- Manage and organize mortgage documentation within established SLAs in a high-volume environment.
- Coordinate closely with the Funding team to maintain established service-level agreements.
- Ensure compliance with underwriting guidelines, privacy legislation, AML/ATF, and anti-fraud policies.
Mortgage Agent
BRX Mortgage
Toronto, Canada
10.2020 - 02.2025
- Assessed client financial profiles to determine loan suitability and financing solutions.
- Built and maintained referral networks to drive repeat business.
- Collaborated with banks and alternative lenders to structure mortgage solutions.
Education
Finance - Business Administration
Sheridan College
OREA – Real Estate Salesperson Program (2020)
REMIC – RMAC Certificate (2020)
IFSE – Canadian Investment Funds Course (2018)
Skills
- Regulatory knowledge
- Problem solving
- Effective communication
- Attention to detail
- Time management
- Document review
- Data interpretation
- Goal oriented
Timeline
Mortgage Officer - Underwriting Classic
Home Trust Company
02.2025 - Current
Mortgage Agent
BRX Mortgage
10.2020 - 02.2025
Finance - Business Administration
Sheridan College
OREA – Real Estate Salesperson Program (2020)
REMIC – RMAC Certificate (2020)
IFSE – Canadian Investment Funds Course (2018)